ASHBURY HOLDINGS LIMITED

🚨Distressedactive
04565042 · ltd · incorporated 2002-10-16
Investment thesis
Distressed but structurally messy — likely a value trap without major surgery.
Why interesting: Headline may look cheap; sector may be recovering.
Why risky: Critical deal-killers in ownership or security; closing cost and post-deal clean-up likely to dominate.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£-1.11M
book net assets
Opportunity
71/100
Strong
🔔
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What this business does
Primary activity: Activities of other holding companies n.e.c.
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed asset-holding vehicle — structural issues outweigh the discount.

Opportunity 71/100 (strong), bankability 42/100. Strong seller-intent signal (80/100, director aged 63). Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (85/100).

🏦

Refinance opportunity

26 live charges · 5 lenders · oldest 23.5y

15/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 23.5 years old — likely at or near maturity.
  • · 5 lenders named — inter-creditor friction likely.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
26 charges (26/26 with lender, 26/26 with type)
90
Directors & officers
4 officers (1 active, 4 linked, 2 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
227 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
50
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
69
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £1,106,124
Cash YoY
+143%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£209
↑ 143% YoY
Net Worth
-£1.1m
~ YoY
Current Assets
£215k
↓ 80% YoY
Current Liabilities
—
-£1.1m-£664k-£223k£219k£661k£1.1mSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Total assets£-1.10M£-1.09M
Current assets£215.0k£1.10M
Cash£209£86
Debtors£214.8k£1.10M
Net assets£-1.11M£-1.11M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 signals detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (74 events)Click to expand
  1. 2025-06-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-07-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2024-07-26
    🔓
    Charge satisfied #25
  4. 2024-06-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-04-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2023-06-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-04-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2022-04-13
    🔒
    Charge registered #26
    Lender: Relendex Security Trustees Limited
  10. 2021-07-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-06-25
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  13. 2020-06-25
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2020-02-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2020-02-12
    🔒
    Charge registered #25
    Lender: Interbay Funding Limited
  16. 2019-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2017-08-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  19. 2016-06-29
    ➖
    CARMICHAEL, Kenneth John resigned
    secretary
  20. 2016-06-22
    🔓
    Charge satisfied #24
  21. 2016-06-22
    🔓
    Charge satisfied #23
  22. 2016-06-22
    🔓
    Charge satisfied #22
  23. 2016-06-22
    🔓
    Charge satisfied #21
  24. 2016-06-22
    🔓
    Charge satisfied #20
  25. 2016-06-22
    🔓
    Charge satisfied #19
  26. 2016-06-22
    🔓
    Charge satisfied #18
  27. 2016-06-22
    🔓
    Charge satisfied #17
  28. 2016-06-22
    🔓
    Charge satisfied #16
  29. 2016-06-22
    🔓
    Charge satisfied #15
  30. 2016-06-22
    🔓
    Charge satisfied #14
  31. 2016-06-22
    🔓
    Charge satisfied #13
  32. 2016-06-22
    🔓
    Charge satisfied #12
  33. 2016-06-22
    🔓
    Charge satisfied #3
  34. 2016-06-22
    🔓
    Charge satisfied #2
  35. 2016-06-22
    🔓
    Charge satisfied #1
  36. 2015-12-15
    🔓
    Charge satisfied #11
  37. 2015-12-11
    🔓
    Charge satisfied #6
  38. 2015-12-11
    🔓
    Charge satisfied #4
  39. 2012-08-21
    ➖
    LEWIS, Philip resigned
    director
  40. 2011-02-02
    🔓
    Charge satisfied #10
  41. 2011-02-02
    🔓
    Charge satisfied #9
  42. 2011-02-02
    🔓
    Charge satisfied #8
  43. 2011-02-02
    🔓
    Charge satisfied #7
  44. 2009-07-03
    🔒
    Charge registered #24
    Lender: National Westminster Bank PLC
  45. 2009-07-03
    🔒
    Charge registered #23
    Lender: West Register (Investments) Limited
  46. 2009-07-03
    🔒
    Charge registered #22
    Lender: West Register (Investments) Limited
  47. 2009-07-03
    🔒
    Charge registered #21
    Lender: West Register (Investments) Limited
  48. 2009-07-03
    🔒
    Charge registered #20
    Lender: West Register (Investments) Limited
  49. 2009-07-03
    🔒
    Charge registered #19
    Lender: West Register (Investments) Limited
  50. 2009-07-03
    🔒
    Charge registered #18
    Lender: West Register (Investments) Limited
Showing most recent 50 of 74 events

Owner dependency

93/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

95/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

2 med ·
Has insolvency history
medium

Companies House flags prior insolvency events. Review the insolvency filings for context.

Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Ashbury Properties is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Ashbury Properties
Corporate parent · holds 75-100% shares
ultimate parent
⬇
ASHBURY HOLDINGS LIMITED
This company · 04565042

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Ashbury Properties
Corporate entity
75–100%
—75-100% shares16/10/2016
1 historic (ceased) PSC
  • Mr Kenneth John Carmichaelceased 16/10/2016· significant influence

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.

Available from the Pro tier upwards.

See pricing →
🔒Advanced scoring suite

Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.

Available from the Pro tier upwards.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2002-10-16
Jurisdictionengland-wales
Primary SIC64209 — Activities of other holding companies n.e.c.

Registered office

4 Mapledale Road
Liverpool
L18 5JE
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-10-30
Last: 2025-10-16

Officers (1 active · 3 resigned)

CARMICHAEL, Kenneth John→
director · ~63y · appointed 2002-10-16
View their other companies + combined net worth →
Active
CARMICHAEL, Kenneth John→
secretary · appointed 2002-10-16 · resigned 2016-06-29
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 2002-10-16 · resigned 2002-10-16
Resigned
LEWIS, Philip→
director · ~63y · appointed 2002-10-16 · resigned 2012-08-21
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

26
Total charges
1
Outstanding
1
Active lenders
Status:Lender:26 of 26 shown
TypeProperties
outstanding
Relendex Security Trustees
Relendex Security Trustees Limited
A registered charge2 properties13/04/2022—
satisfied
InterBay
Interbay Funding Limited
A registered charge3 properties12/02/202026/07/2024
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property03/07/200922/06/2016
satisfied
West Register (Investments)
West Register (Investments) Limited
Charge1 property03/07/200922/06/2016
satisfied
West Register (Investments)
West Register (Investments) Limited
Charge1 property03/07/200922/06/2016
satisfied
West Register (Investments)
West Register (Investments) Limited
Charge3 properties03/07/200922/06/2016
satisfied
West Register (Investments)
West Register (Investments) Limited
Charge1 property03/07/200922/06/2016
satisfied
West Register (Investments)
West Register (Investments) Limited
Charge1 property03/07/200922/06/2016
satisfied
West Register (Investments)
West Register (Investments) Limited
Charge1 property03/07/200922/06/2016
satisfied
West Register (Investments)
West Register (Investments) Limited
Charge2 properties03/07/200922/06/2016
satisfied
West Register (Investments)
West Register (Investments) Limited
Charge1 property03/07/200922/06/2016
satisfied
West Register (Investments)
West Register (Investments) Limited
Charge1 property03/07/200922/06/2016
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property03/07/200922/06/2016
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal charge3 properties03/07/200922/06/2016
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property03/07/200922/06/2016
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal charge2 properties03/07/200915/12/2015
satisfied
Fourways Consultancy
Fourways Consultancy Limited
Legal mortgage1 property11/09/200802/02/2011
satisfied
Fourways Consultancy
Fourways Consultancy Limited
Legal mortgage1 property11/09/200802/02/2011
satisfied
Fourways Consultancy
Fourways Consultancy Limited
Legal mortgage1 property11/09/200802/02/2011
satisfied
Fourways Consultancy
Fourways Consultancy Limited
Legal mortgage1 property11/09/200802/02/2011
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property11/05/200711/12/2015
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property26/01/200609/12/2008
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property30/06/200511/12/2015
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property30/04/200422/06/2016
satisfied
National Westminster Bank
National Westminster Bank PLC
Debenture1 property11/02/200422/06/2016
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property23/01/200322/06/2016
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (227 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-18
mortgage-satisfy-charge-full
mortgage · MR04
2024-07-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-04-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-30